Analysispersonal financeasset allocationsipequity
Investors Adopt Goal-Based Strategies For Resilience
5.2
Chirag Muni, Executive Director at Anand Rathi Wealth, outlines how investors can build resilient portfolios in 2026 through goal-based investing, asset allocation and disciplined SIPs. He recommends horizon-based equity allocations (up to 70–80% equity for horizons over five years), annual SIP step-ups, regular 6–12-month rebalancing, and gives examples where a ₹25,000 monthly SIP can grow substantially assuming 12% returns.
Key Points
- 1Advocates goal-based investing; ₹25,000 monthly SIP can grow to ₹2.29–₹4.25 crore over 20–25 years.
- 2Highlights equity outperformance: Nifty 12–13% versus real estate 8–9% and gold ~8.6%.
- 3Advises horizon-based allocation, annual SIP step-ups, and portfolio rebalancing every 6–12 months.
Scoring Rationale
Practical, actionable retail investing advice from a reputable advisor; limited novelty and narrow relevance beyond personal finance.
Sources
Public references used for this report.
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